by our College Data Analytics TeamThis page focuses on the debt students take on to attend American InterContinental University-Atlanta— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
For incoming students at AIU Atlanta, 90% of new students use loans toward freshman-year expenses, at roughly $6,874 each — a figure that counts both private and federal student loans.
The average federal loan is $6,874. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Across the full undergraduate body at AIU Atlanta (freshmen included), 85% take out federal student loans, at an average of $8,684 per year. That is 26.3% above the $6,874 borrowed by freshmen.
Repeating that yearly amount projects to about $17,368 in two years and roughly $34,736 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 85% |
| Average federal loan per year | $8,684 |
| Undergraduates with a federal loan | 567 |
| Total federal loans (one year) | $4,923,915 |
Graduating and withdrawing students at AIU Atlanta carry a median federal debt of $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $31,000 |
| Students who withdrew | $7,571 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for AIU Atlanta.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,500 |
| 75th percentile | $23,295 |
| 90th percentile (highest-debt students) | $40,415 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at AIU Atlanta.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at AIU Atlanta.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1710 | $7,637 |
| Completed (graduates) | 424 | $9,071 |
| Did not complete | 1286 | $7,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $107.86/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at AIU Atlanta.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1690 | $7,791 |
| No Stafford loan | 20 | $2,272 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1141 | $7,447 |
| No Stafford loan this year | 569 | $7,955 |
The indicators below describe what the typical debt costs to pay back at AIU Atlanta.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for AIU Atlanta follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.8% |
| Borrowers in the cohort | 20018 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $12,667 |
| High income | $13,020 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $10,195 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at AIU Atlanta.
Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Did You Know?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.